How do we make sure that the financial system works for society, not against it, is the basis of stability, and not the source of problems? Should the state interfere in the work of banks, courts and educational institutions? What is the reason for the weakening financial and political influence of the West in the world? These issues are of acute concern not only to the Western world. According to the British historian Nial Ferguson, the main problem is the degeneration of civil institutions. Only a return from the rule of lawmen to the rule of law, the rejection of excessive regulation and the indifference of citizens can change the course of events and prevent a seemingly inevitable collapse.